"Should I trust the adjuster?" I get asked this question repeatedly and my answer never changes. Your relationship with the adjuster is not about trust or distrust. It is a business relationship between two parties with adverse interests. That simply means you must protect yourself because the insurance adjuster is not going to do it for you; not even it he works for your insurance company.
It should be understood; the adjuster intends to do everything he or she can to ruin your claim. He or she is just not going to tell you this.
WHY DO THEY WANT TO TALK TO ME?
There are just two reasons they talk with you.
- Figure out a way to pay you nothing.
- Figure out a way to pay you as little as possible.
Beyond that the adjuster really has no reason to speak with you.
And this is why your being represented by an attorney is so important. It is because the adjusters might like to make you look unprepared, and that might later appear to look like you are exaggerating your claim by making up the facts.
A GOOD LAWYER WILL WANT TO PREPARE YOU TO SPEAK WITH THE ADJUSTER
A good lawyer will want to prepare you before talking to the adjuster, assuming you even need to speak with them. Some accidents are so obvious in terms of fault, that no statement is necessary.
This business isn't complicated, it is just made complicated by people not understanding what they are doing and then creating issues in the case. And it is the facts about liability, where most of that confusion takes place. Accident victims discussing liability is where the biggest and most important mistakes occur. It is where you can destroy any chance of ever recovering.
Your lawyer is your only friend in the lawsuit and that is because he or she has your interests as their overriding loyalty.
WHO REPRESENTS WHO?
We represent you - not the insurance company. The insurance adjuster represents the insurance company’s bottom line – meaning paying you as little as possible. If you don't have a lawyer, then you are swimming in shark infested waters without a clue there are sharks circling.
WHAT IS THE BOTTOM LINE
And so, trust? No.
Lawyer up? You bet.
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